100% of American Express customers in our 2023 customer satisfaction survey would recommend the brand to a friend
Acceptance at smaller merchants remains an issue
Compare American Express business credit cards
American Express offers credit and charge cards for business customers, offering the chance to monitor spending and attain rewards while spending.
Compare American Express business cards
Table: sorted by representative APR, promoted deals first
1 - 5 of 5
Approval for any credit card depends on your status. The representative APRs shown represent the interest rate offered to most successful applicants. Depending on your personal circumstances, the APR you're offered may be higher, or you may not be offered credit at all. Fees and rates are subject to change without notice. It's always wise to check the terms of any deal before you borrow.
What do American Express business credit cards offer?
American Express business credit and charge cards offer you the opportunity to manage your company’s cash flow while earning rewards for your spending. You’ll accrue Membership Rewards points while you spend, and potentially also lucrative welcome bonuses and anniversary bonuses too. The points can be redeemed against offers in the app or simply against purchases you make using the card.
What's the difference between a charge card and credit card?
With a charge card, you are expected to clear your balance in full every month. As such, these cards don’t charge interest, although there are usually harsh fees if you fail to clear your balance. The benefits of charge cards include flexibility over payments (purchases at the start of the billing cycle are paid for at the end of the billing cycle) and in some cases, rewards on your spending. Charge cards can come with a monthly or annual fee attached, however, and do not offer purchase protection under section 75 of the Consumer Credit Act.While charge cards are fairly rare in the consumer space, they are more prevalent in business banking.
American Express business cards features and benefits
American Express offers a range of benefits to all business card customers, including:
- Business account management. Amex’s 24-hour online business account management lets you check your balance, payments, past statements and keep track of all business purchases made on your Account.
- Membership Rewards. Earn one point on every full £1 you spend and redeem for a variety of rewards to reinvest in your business or to treat yourself or your employees.
- Cash flow management. Up to 42 or 54 days, depending on your card.
- Complementary supplementary cards. Available to Platinum and Gold business charge cardholders.
- No pre-set spending limit. As with all charge cards, there is no credit limit as you are expected to pay off your balance in full every billing cycle.
How to compare American Express business cards
When comparing American Express business charge cards, think about what your company needs.
If you’re starting out and want to avoid fees, then the Basic card could be a handy way to take advantage of Amex’s business tools while keeping costs down.
However, if you want rewards for your spending, such as points and travel benefits, including free airport lounge access, a concierge and insurance, it would be worth considering the Gold or Platinum charge card.
American Express customer reviews
Customers who participated in Finder’s 2023 customer satisfaction survey were overwhelmingly positive about American Express, with many highlighting its “great” customer service and app, and generous rewards and benefits.
One customer said: “The customer service is fantastic, the rewards are great and it is very easy to use.”
American Express finished top in our 2023 customer satisfaction awards, with a score of 5 out of 5, and a clean-sheet 100% of customers happy to recommend the brand to a friend.
Frequently asked questions
We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms "best", "top", "cheap" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our terms of use. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you.
Finder business card ratings
★★★★★ — Excellent
★★★★★ — Good
★★★★★ — Average
★★★★★ — Subpar
★★★★★ — Poor
Our customer satisfaction scores ("Customers say") are based on a survey of 623 customers carried out in December 2022.
To find out more, read our full methodology.
More guides on Finder
-
Side hustle statistics for 2023
Almost half of Brits (44%) have a side hustle in 2023. The average income from side hustles is £205.79 per week, or £10,701.24 per year.
-
Get organised with Starling’s new “Split Payment” tool
Starling launches a money management tool to help you divide up your salary and send funds to different accounts automatically.
-
Weekly share tips: This week is Berkshire Hathaway
Why George Sweeney believes Berkshire Hathaway is one to watch. This week’s share tip. Not financial advice or a recommendation.
-
Nationwide customers to get Fairer Share Payment worth £100
Nationwide is planning to give eligible members £100 in June as part of its newly launched Fairer Share scheme.
-
How to buy cryptocurrency
There’s lots to consider when buying cryptocurrency. Here’s your step-by-step guide.
-
How do we rate kids’ bank accounts?
Your kids’ bank account is often where your child starts their financial journey – here’s how we decide our star ratings for them.
-
The best stock trading apps and platforms in the UK
We’ve tested, analysed and scored trading apps to find the 10 best trading platforms in the UK, who they’re best for and the pros and cons.
-
The best stock trading apps and platforms in the UK
We’ve tested, analysed and scored trading apps to find the 10 best trading platforms in the UK, who they’re best for and the pros and cons.
-
The best stock trading apps and platforms in the UK
We’ve tested, analysed and scored trading apps to find the 10 best trading platforms in the UK, who they’re best for and the pros and cons.
-
A step-by-step guide to how card readers work
Our guide explains all you need to know about the card reader payment process.